The old-age insurance for urban and rural residents, also known as the pension in rural areas, has been paid for 15 years before the age of 60, and can be paid on a monthly basis after the age of 60. An important principle of pension is "pay more and receive more", pay more money when you are young, you can receive more pension when you are old, and your life is more secure. Pension insurance has been implemented in the city for a long time, and people in the city pay more money every month and pay for a long time, so they now receive more money every month after the age of 60.
The implementation of old-age insurance in rural areas is short, and the longest is only more than ten years, so many rural elderly people have not paid for 15 years, so that they can receive less pension after the age of 60. Some elderly people have not paid a penny, because when the rural pension insurance is implemented, they have reached the age of 60, so they can only receive a basic pension, more than 100 yuan per month, which is very limited in help to life.
In order to help the elderly in rural areas "pay more and receive more", the pension insurance contributions in various places will be allowed to make up the payment every once in a while. The supplementary payment of pension insurance premiums is divided into two aspects, on the one hand, if it has not been paid for 15 years, it is allowed to pay the money for the remaining years at one time. For example, if you have paid for 10 years, but you will be 60 years old next year, and you can't pay enough for 15 years, then you can pay all the pension insurance premiums for the remaining 5 years at a time to meet the requirements of 15 years.
On the other hand, if the previous economic conditions are limited, you can only choose low-grade payment, such as choosing the lowest grade to pay, only pay 200 yuan a year, so that even if you pay for 15 years, you have only paid a total of 3,000 yuan, and the money you can get every month in the future will be dozens of dollars more than the basic pension, which is still insignificant.
In the past, the payment grade was low, but now that my life is better and my income is high, can I choose to pay at a high grade and receive more money in the future?Of course, it is also possible, but if you raise the grade, you must also pay the difference between the two grades of the years that have been paid before.
Like before, I paid 200 yuan a year and paid it for 5 years, and now I want to raise the grade to pay 2,000 yuan a year, so I have to pay 1,800 yuan every year for the previous 5 years. In this way, after 15 years of payment, you can receive a pension according to the grade of 2,000 yuan after the age of 60.
Some people say that I will be 60 years old now, I have never paid a pension before, I have 50,000 yuan in my hand, and I want to pay it at once, so how much money can I receive every month from the age of 60?Is it cost-effective?
First of all, the author wants to say that when he is 59 years old, he must not pay a total of 50,000 yuan per year when he was young, because when he pays every year, there are financial subsidies, such as paying 200 yuan to subsidize 30 yuan, paying 1,000 yuan to subsidize 100 yuan, etc. In addition, if you pay annually, you will still incur interest on the money you paid before.
Secondly, now that I am 59 years old, I can't pay an annual fee and can only make up 50,000 yuan, so that I can roughly calculate the pension every month. The first is the personal account pension, which is roughly 360 yuan per month. The second is the basic pension, according to the regulations of the provinces, there are differences, generally low more than 100 yuan, high four or five hundred yuan.
In most provinces, the basic pension is between 130 yuan and 180 yuan per month. In addition, the personal account pension is 360 yuan, and you can receive a pension of about 500 yuan every month.
I haven't paid pension insurance before, I paid 50,000 yuan at a time, I received about 500 yuan a month after the age of 60, I can receive 6,000 yuan a year, and when I am more than 68 years old, I can get all the 50,000 yuan back, which is equivalent to returning the capital.
The current average life expectancy has reached about 78 years old, and even if it is calculated according to the average life expectancy, you can receive a pension for 18 years. Moreover, the pension will rise every year, that is to say, by the age of 78, you can receive at least 108,000 yuan, which is far more than the 50,000 yuan invested.
Therefore, the supplementary pension will definitely not suffer, and if you have money in your hands, it is best not to deposit it in the bank for the elderly, and it is more cost-effective to pay the supplementary pension.